Smith complained of gout for many years (it was probably rheumatoid arthritis), which made it increasingly difficult and painful for her to write. By the end of her life, it had almost paralyzed her. She wrote to a friend that she was "literally vegetating, for I have very little locomotive powers beyond those that appertain to a cauliflower". On 23 February 1806, her husband died in a debtors' prison and Smith finally received some of the money he owed her, but she was too ill to do anything with it. She died a few months later, on 28 October 1806, at Tilford and was buried at Stoke Church, Stoke Park, near Guildford. The lawsuit over her father-in-law's estate was settled seven years later, on 22 April 1813, more than thirty-six years after Richard Smith's death.
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